Disclaimer: - This is for your kind information if it applies to you that; All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Other coverages, limits and exclusions apply – Refer to your policy for details. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect until and unless confirmed in writing with the Insurance Company or the licensed Insurance Agent. Coverage offered or mentioned on the proposal may be the only coverage provided after the binder is issued by the carrier and all other coverage should be deemed excluded. Proposed coverage is effective only after the binder or the policy is issued by the insurance company and received by us.